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690 Flatbush
Avenue West Hartford, CT 06110-1308
860
236-9350
800 856-6400 toll free 860 523-9101 fax
One Carriage Place
Downtown Waterbury
203 756-6100
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Save
Your Home From Foreclosure
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Thousands
of people in Connecticut have used Chapter
13 Bankruptcy
to save their homes from foreclosure. We can help
you save your home from foreclosure. As Connecticut
bankruptcy lawyers, we may even be able to help you
get rid of second or third mortgages, reduce car loan
payments, and cancel some or all of your credit card and
other debt.
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Call us for a free
bankruptcy consultation.
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We
will take the time to explain what you can do
to save your home. |
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We
will answer all your foreclosure and
bankruptcy questions. |
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We
understand it may be difficult for you to take
time off from work, so we can make an evening
or Saturday appointment for you. |
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You can use Chapter 13 bankruptcy to save your home from foreclosure, as long the
foreclosure has not reached the point where title to your
home has passed over to the bank (the Law Days
have passed) or there has been a foreclosure sale and the
Connecticut Superior Court has confirmed the sale.
Under Chapter 13 bankruptcy, you put together a repayment Plan
to get caught up on the overdue mortgage, which will
include late charges, the bank's attorneys fees and court
costs, and any foreclosure committee's fees. While
you are making the Chapter 13 Plan payments, you are required to keep
your monthly mortgage payments current. The
repayment period can last from 3 to 5 years.
As
part of your Bankruptcy Plan, you may avoid having to pay all or part of your unsecured
debt (credit cards, utilities, doctor and hospital
bills, income taxes). Whether and how much unsecured
debt you will have to pay depends on a number of things,
including your income, your expenses, how much you will be
paying to get caught up on your mortgage, and whether you
have filed Chapter 13 before.
If you have just been served with foreclosure papers, keep
these important points in mind:
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Do
not panic, you are not about to immediately lose your
home.
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A
foreclosure takes a while, usually 3 to 6 months,
depending on how fast the bank moves the case
along and what you may be able to do to slow
things down. |
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You
may qualify to have the foreclosure court give you
6 months time to get caught up on your
mortgage. |
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Talk
to an experienced bankruptcy attorney right away.
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A
successful Chapter 13 bankruptcy case takes time to prepare. |
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Attorneys
will charge more, or may not even take your case,
if you wait until the last minute to file
bankruptcy. |
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You
can not even file a Chapter 13 bankruptcy case until you have
undergone mandatory credit counseling. |
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The
longer you let the foreclosure case go on, the
more you will owe the bank.
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The
bank's
attorney's fees are added to the amount of
your mortgage. |
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If
a foreclosure sale committee has been
appointed, the committee's fees are added to
the amount of your mortgage. |
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Late
charges and interest continue to pile up
during the foreclosure. Once you file
Chapter 13, you may be able to reduce the
amount of interest you are paying. |
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you file Chapter 13 bankruptcy, several deadlines begin to
run. The more time you have to prepare for
these deadlines, the more likely your Chapter 13 bankruptcy
case will be successful and allow you to save your
home. |
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When You Need a Connecticut Bankruptcy
Lawyer,
Rely on Us for Skill,
Determination and Experience.
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Connecticut
Debt
Relief By Filing Bankruptcy
Congress
has designated Serrano & Serrano, LLC a debt
relief agency.
We help people file for debt relief
under the Bankruptcy
Code. |
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Please note that our law firm's website is designed to provide only
general legal information.
This information is not intended to be legal advice for your
individual situation.
Call
us for personal injury, Social Security, divorce, bankruptcy,
immigration, workers compensation and criminal cases.
Portuguese 
Spanish 
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John
Serrano |
Gabriel
Serrano |
Serrano & Serrano, LLC
Connecticut Attorneys
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